{"id":21303,"date":"2025-08-05T14:53:59","date_gmt":"2025-08-05T14:53:59","guid":{"rendered":"https:\/\/www.americamortgages.com\/?p=21303"},"modified":"2026-08-03T04:28:03","modified_gmt":"2026-08-03T04:28:03","slug":"vacation-home-mortgages-buying-u-s-holiday-property-from-abroad","status":"publish","type":"post","link":"https:\/\/www.americamortgages.com\/vacation-home-mortgages-buying-u-s-holiday-property-from-abroad\/","title":{"rendered":"Vacation Home Mortgages: Buying U.S. Holiday Property from Abroad"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Imagine this<\/strong>: Your own beachfront condo in Miami, a ski cabin in Colorado, or a golf-side villa in Scottsdale. For many international buyers, <a title=\"purchasing a vacation home in the United States\" href=\"https:\/\/www.americamortgages.com\/buying-short-term-rental-properties-in-the-u-s-airbnb-mortgage-insight\/\" data-type=\"link\" data-id=\"https:\/\/www.americamortgages.com\/buying-short-term-rental-properties-in-the-u-s-airbnb-mortgage-insight\/\">purchasing a vacation home in the United States<\/a> is more than a dream\u2014it\u2019s a lifestyle and financial decision that pays off in comfort, convenience, and long-term value.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But how exactly do you <em>finance<\/em> a vacation home in the U.S. if you\u2019re living abroad? Whether you&#8217;re in Singapore, the UK, the UAE, or anywhere else, this guide walks you through <strong>how to buy a U.S. holiday property<\/strong>\u2014even if you don&#8217;t live or work in the U.S.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Can Foreign Nationals Buy Vacation Homes in the U.S.?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Yes.<\/strong> No legal restrictions are preventing foreign nationals from purchasing property in the United States, even if it\u2019s for <strong>vacation or seasonal use<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">International buyers make up a significant share of second-home purchases in states like <strong>Florida, California, Arizona, and Texas<\/strong>, where the climate, infrastructure, and amenities appeal to global travellers.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What Defines a \u201cVacation Home\u201d in Mortgage Terms?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">For U.S. mortgage purposes, a <strong>vacation home<\/strong> is a property:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Used primarily by you or your family for seasonal living<br><\/li>\n\n\n\n<li>Not your primary residence<br><\/li>\n\n\n\n<li>Not rented out full-time (though limited, part-time rental may be allowed)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u26a0\ufe0f If you plan to rent the property full-time to others, America Mortgages and all other lenders may classify it as an <em>investment property<\/em>, which has different financing terms.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Challenges for International Buyers<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">International buyers often assume they must pay all-cash. But the truth is: <strong>specialized U.S. mortgage programs exist<\/strong> for foreign nationals who want to finance a vacation home.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That said, foreign buyers face unique challenges:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No U.S. credit history<br><\/li>\n\n\n\n<li>Non-resident visa status<br><\/li>\n\n\n\n<li>Foreign income or employment<br><\/li>\n\n\n\n<li>Limited understanding of U.S. mortgage requirements<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This is where foreign national loans come in.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Vacation Home Mortgages for Foreign Nationals<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Foreign National Mortgage Programs<\/strong> are specifically designed for non-U.S. residents. These allow you to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Finance up to <strong>70\u201375%<\/strong> of the property value<br><\/li>\n\n\n\n<li>Use <strong>foreign income and bank accounts<\/strong> for qualification<br><\/li>\n\n\n\n<li>Purchase in any U.S. state<br><\/li>\n\n\n\n<li>Avoid needing a U.S. credit score or tax return<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">What You\u2019ll Need:<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Valid passport<br><\/li>\n\n\n\n<li>Proof of income (employment letter or business documents)<br><\/li>\n\n\n\n<li>Foreign bank statements (typically 3\u20136 months)<br><\/li>\n\n\n\n<li>Proof of funds for the down payment and closing costs<br><\/li>\n\n\n\n<li>No U.S. Social Security Number or credit history required<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">These loans are available through select U.S. lenders, such as <strong>America Mortgages<\/strong>, which focus exclusively on financing for international buyers.<\/p>\n\n\n\n<div class=\"buttons\" style=\"margin-top:20px;\">\r\n<a id =\"inline-article-btn\" class=\"button common-button\" href=\"\/contact\">Contact Us<\/a>\r\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Best Locations for Holiday Homes<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Location<\/strong><\/td><td><strong>Why It\u2019s Popular<\/strong><\/td><\/tr><tr><td><strong>Florida<\/strong><\/td><td>Year-round sunshine, beaches, and no state income tax<\/td><\/tr><tr><td><strong>California<\/strong><\/td><td>Coastal cities, wine country, and cultural attractions<\/td><\/tr><tr><td><strong>Arizona<\/strong><\/td><td>Desert escapes, golf resorts, winter warmth<\/td><\/tr><tr><td><strong>Colorado<\/strong><\/td><td>Ski resorts, mountain cabins, seasonal rentals<\/td><\/tr><tr><td><strong>Hawaii<\/strong><\/td><td>Tropical lifestyle, strong appreciation, vacation appeal<\/td><\/tr><tr><td><strong>Nevada<\/strong><\/td><td>Las Vegas fun, tax-friendly, low-maintenance condos<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">These locations tend to have robust <strong><a title=\"short-term rental\" href=\"https:\/\/www.americamortgages.com\/foreign-investors-are-using-this-loan-to-buy-u-s-short-term-rentals\/\" data-type=\"link\" data-id=\"https:\/\/www.americamortgages.com\/foreign-investors-are-using-this-loan-to-buy-u-s-short-term-rentals\/\">short-term rental<\/a> markets<\/strong> and high resale demand, making them attractive even if you&#8217;re buying primarily for personal use.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Mortgage Terms to Know<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Term<\/strong><\/td><td><strong>Foreign National Loan<\/strong><\/td><\/tr><tr><td><strong>Down Payment<\/strong><\/td><td>25\u201330% (lower in some cases)<\/td><\/tr><tr><td><strong>Loan Term<\/strong><\/td><td>15\u201330 years<\/td><\/tr><tr><td><strong>Interest Rate Type<\/strong><\/td><td>Fixed or adjustable<\/td><\/tr><tr><td><strong>Proof of Income Needed?<\/strong><\/td><td>Yes (but from foreign sources)<\/td><\/tr><tr><td><strong>U.S. Credit Required?<\/strong><\/td><td>No<\/td><\/tr><tr><td><strong>Refinancing Options<\/strong><\/td><td>Available after 6\u201312 months<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Can You Rent Out the Vacation Home?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yes\u2014but with limits.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Many <a title=\"vacation home buyers\" href=\"https:\/\/www.americamortgages.com\/buying-short-term-rental-properties-in-the-u-s-airbnb-mortgage-insight\/\" data-type=\"link\" data-id=\"https:\/\/www.americamortgages.com\/buying-short-term-rental-properties-in-the-u-s-airbnb-mortgage-insight\/\">vacation home buyers<\/a> want the option to <strong>rent out the property part-time<\/strong> on platforms like Airbnb or VRBO to offset costs. Most foreign national mortgage programs <strong>allow part-time rental<\/strong>, as long as the home is used personally at least part of the year.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tip<\/strong>: If you intend to rent full-time, opt for a <strong>DSCR loan<\/strong>, which qualifies you based on projected rental income, not personal income.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Final Thoughts<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Owning a vacation home in the U.S. isn\u2019t just a luxury; it\u2019s an investment in your lifestyle and long-term wealth. With the right financing, even non-U.S. residents can enjoy the benefits of U.S. homeownership without needing to relocate.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So, whether you&#8217;re dreaming of a winter escape in Florida or a summer retreat in Lake Tahoe, a mortgage is very much within reach\u2014<strong>even from abroad<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ready to explore your options?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Contact<\/strong>: <a href=\"mailto:hello@americamortgages.com\">hello@americamortgages.com<\/a><br><strong>Website<\/strong>:<a href=\"https:\/\/www.americamortgages.com\/\"> www.americamortgages.com<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Speak to a U.S. Loan Expert 24 hours a day \/ 7 days a week: <a href=\"tel:+18455830830\" data-type=\"tel\" data-id=\"tel:+18455830830\">+1 845-583-0830&nbsp;<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Need help getting started? Use their <strong><a href=\"https:\/\/calendly.com\/u-s-mortgages\" target=\"_blank\" rel=\"noopener\">24\/7 online booking tool<\/a><\/strong> to schedule a <strong><a href=\"https:\/\/calendly.com\/u-s-mortgages\" data-type=\"link\" data-id=\"https:\/\/calendly.com\/u-s-mortgages\" target=\"_blank\" rel=\"noopener\">free, no-obligation consultation<\/a><\/strong> with a licensed U.S. mortgage advisor. <a href=\"https:\/\/www.americamortgages.com\/home-mortgage-for-foreign-national-form\/\">https:\/\/www.americamortgages.com\/home-mortgage-for-foreign-national-form\/<\/a><\/p>\n\n\n\n<div class=\"buttons\" style=\"margin-top:20px;\">\r\n<a id =\"inline-article-btn\" class=\"button common-button\" href=\"\/contact\">Contact Us<\/a>\r\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Frequently Asked Questions<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q1: Can foreigners buy vacation homes in the U.S.?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A: <\/strong>Yes! There are no legal restrictions stopping foreign nationals from buying vacation homes in the U.S.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q2: What makes a property a \u201cvacation home\u201d according to lenders?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A: <\/strong>A vacation home is one you use seasonally, not your main residence, and not rented out year-round only limited rentals are allowed<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q3: Can international buyers get a U.S. mortgage for a vacation home?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A: <\/strong>Yes, America Mortgages offers specialized U.S. mortgage programs for foreign nationals to finance up to 70\u201375% of the purchase price.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q4: What documents do I need to qualify for a foreign national mortgage?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A:<\/strong> You need a valid passport, foreign income proof, 3\u20136 months of foreign bank statements, and proof of funds for down payment and closing costs no U.S. SSN or credit history required<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q5: Can I rent out my vacation home part-time?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A:<\/strong> Yes, part-time rentals (like Airbnb\/VRBO) are generally allowed as long as you also use the property yourself. Full-time rentals may require a different loan like a DSCR loan<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Hipotecas para Casas de Vacaciones: Comprar una Propiedad de Vacaciones en EE. UU. desde el Extranjero<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Palabras clave<\/strong>: Hipoteca para Casa de Vacaciones en EE. UU., Propiedad de Vacaciones desde el Extranjero, Hipoteca para Ciudadanos Extranjeros, America Mortgages, Comprar Segunda Vivienda en EE. UU., Inmuebles para Compradores Internacionales, Casa de Vacaciones en Florida, Financiamiento de Casas de Vacaciones en EE. UU.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Imagina esto: Tu propio condominio frente a la playa en Miami, una caba\u00f1a de esqu\u00ed en Colorado o una villa junto a un campo de golf en Scottsdale. Para muchos compradores internacionales, adquirir una casa de vacaciones en los Estados Unidos es m\u00e1s que un sue\u00f1o: es una decisi\u00f3n de estilo de vida y financiera que ofrece comodidad, conveniencia y valor a largo plazo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pero, \u00bfc\u00f3mo financiar una casa de vacaciones en EE. UU. si vives en el extranjero? Ya sea que est\u00e9s en Singapur, el Reino Unido, los Emiratos \u00c1rabes Unidos o cualquier otro lugar, esta gu\u00eda te explica c\u00f3mo comprar una propiedad de vacaciones en EE. UU., incluso si no vives ni trabajas en el pa\u00eds.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u00bfPueden los Ciudadanos Extranjeros Comprar Casas de Vacaciones en EE. UU.?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00ed. No existen restricciones legales que impidan a los ciudadanos extranjeros comprar propiedades en los Estados Unidos, incluso si es para uso vacacional o estacional.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Los compradores internacionales representan una parte significativa de las compras de segundas viviendas en estados como Florida, California, Arizona y Texas, donde el clima, la infraestructura y las comodidades atraen a viajeros globales.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u00bfQu\u00e9 Define una \u201cCasa de Vacaciones\u201d en T\u00e9rminos de Hipoteca?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En t\u00e9rminos de hipotecas en EE. UU., una casa de vacaciones es una propiedad:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Utilizada principalmente por ti o tu familia para vivir de manera estacional.<\/li>\n\n\n\n<li>No es tu residencia principal.<\/li>\n\n\n\n<li>No se alquila a tiempo completo (aunque se permite un alquiler limitado a tiempo parcial).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u26a0\ufe0f Si planeas alquilar la propiedad a tiempo completo, America Mortgages y otros prestamistas podr\u00edan clasificarla como una propiedad de inversi\u00f3n, lo que implica t\u00e9rminos de financiaci\u00f3n diferentes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Desaf\u00edos para Compradores Internacionales<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Los compradores internacionales a menudo asumen que deben pagar en efectivo. Sin embargo, la verdad es que existen programas hipotecarios especializados en EE. UU. para ciudadanos extranjeros que desean financiar una casa de vacaciones.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aun as\u00ed, los compradores extranjeros enfrentan desaf\u00edos \u00fanicos:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No tienen historial crediticio en EE. UU.<\/li>\n\n\n\n<li>Estatus de visa de no residente.<\/li>\n\n\n\n<li>Ingresos o empleo en el extranjero.<\/li>\n\n\n\n<li>Conocimiento limitado de los requisitos hipotecarios de EE. UU.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Aqu\u00ed es donde entran en juego las hipotecas para ciudadanos extranjeros.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Hipotecas para Casas de Vacaciones para Ciudadanos Extranjeros<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Los programas de <strong>Hipotecas para Ciudadanos Extranjeros<\/strong> est\u00e1n dise\u00f1ados espec\u00edficamente para no residentes de EE. UU. Estos te permiten:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Financiar hasta el 70\u201375% del valor de la propiedad.<\/li>\n\n\n\n<li>Utilizar ingresos y cuentas bancarias extranjeras para calificar.<\/li>\n\n\n\n<li>Comprar en cualquier estado de EE. UU.<\/li>\n\n\n\n<li>Evitar la necesidad de un puntaje crediticio o declaraci\u00f3n de impuestos en EE. UU.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Lo que necesitar\u00e1s<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pasaporte v\u00e1lido.<\/li>\n\n\n\n<li>Comprobante de ingresos (carta de empleo o documentos comerciales).<\/li>\n\n\n\n<li>Estados de cuenta bancarios extranjeros (generalmente de 3 a 6 meses).<\/li>\n\n\n\n<li>Comprobante de fondos para el pago inicial y los costos de cierre.<\/li>\n\n\n\n<li>No se requiere n\u00famero de Seguro Social de EE. UU. ni historial crediticio.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Estas hipotecas est\u00e1n disponibles a trav\u00e9s de prestamistas selectos en EE. UU., como <strong>America Mortgages<\/strong>, que se especializan exclusivamente en financiaci\u00f3n para compradores internacionales.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Mejores Ubicaciones para Casas de Vacaciones<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Ubicaci\u00f3n<\/strong><\/td><td><strong>Por qu\u00e9 es Popular<\/strong><\/td><\/tr><tr><td><strong>Florida<\/strong><\/td><td>Sol todo el a\u00f1o, playas y sin impuesto estatal sobre la renta.<\/td><\/tr><tr><td><strong>California<\/strong><\/td><td>Ciudades costeras, regiones vin\u00edcolas y atracciones culturales.<\/td><\/tr><tr><td><strong>Arizona<\/strong><\/td><td>Escapadas al desierto, complejos de golf, calidez invernal.<\/td><\/tr><tr><td><strong>Colorado<\/strong><\/td><td>Estaciones de esqu\u00ed, caba\u00f1as en la monta\u00f1a, alquileres estacionales.<\/td><\/tr><tr><td><strong>Haw\u00e1i<\/strong><\/td><td>Estilo de vida tropical, fuerte valorizaci\u00f3n, atractivo vacacional.<\/td><\/tr><tr><td><strong>Nevada<\/strong><\/td><td>Diversi\u00f3n en Las Vegas, favorable para impuestos, condominios de bajo mantenimiento.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Estas ubicaciones suelen tener mercados de alquiler a corto plazo s\u00f3lidos y una alta demanda de reventa, lo que las hace atractivas incluso si compras principalmente para uso personal.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>T\u00e9rminos Hipotecarios que Debes Conocer<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>T\u00e9rmino<\/strong><\/td><td><strong>Detalles<\/strong><\/td><\/tr><tr><td><strong>Hipoteca para Ciudadanos Extranjeros<\/strong><\/td><td>Basada en ingresos extranjeros, sin necesidad de cr\u00e9dito en EE. UU.<\/td><\/tr><tr><td><strong>Pago Inicial<\/strong><\/td><td>25\u201330% (menor en algunos casos).<\/td><\/tr><tr><td><strong>Plazo del Pr\u00e9stamo<\/strong><\/td><td>15\u201330 a\u00f1os.<\/td><\/tr><tr><td><strong>Tipo de Tasa de Inter\u00e9s<\/strong><\/td><td>Fija o ajustable.<\/td><\/tr><tr><td><strong>\u00bfSe Requiere Comprobante de Ingresos?<\/strong><\/td><td>S\u00ed (pero de fuentes extranjeras).<\/td><\/tr><tr><td><strong>\u00bfSe Requiere Cr\u00e9dito en EE. UU.?<\/strong><\/td><td>No.<\/td><\/tr><tr><td><strong>Opciones de Refinanciamiento<\/strong><\/td><td>Disponibles despu\u00e9s de 6\u201312 meses.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u00bfPuedes Alquilar la Casa de Vacaciones?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00ed, pero con l\u00edmites.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Muchos compradores de casas de vacaciones desean alquilar la propiedad a tiempo parcial en plataformas como Airbnb o VRBO para compensar costos. La mayor\u00eda de los programas de hipotecas para ciudadanos extranjeros permiten alquileres a tiempo parcial, siempre que la casa se use personalmente al menos parte del a\u00f1o.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Consejo<\/strong>: Si planeas alquilar a tiempo completo, opta por un pr\u00e9stamo <strong>DSCR<\/strong>, que te califica seg\u00fan los ingresos proyectados por alquiler, no seg\u00fan tus ingresos personales.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Reflexiones Finales<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Poseer una casa de vacaciones en EE. UU. no es solo un lujo; es una inversi\u00f3n en tu estilo de vida y riqueza a largo plazo. Con la financiaci\u00f3n adecuada, incluso los no residentes de EE. UU. pueden disfrutar de los beneficios de ser propietarios en EE. UU. sin necesidad de mudarse.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ya sea que sue\u00f1es con una escapada invernal en Florida o un retiro de verano en Lake Tahoe, una hipoteca est\u00e1 al alcance, incluso desde el extranjero.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00bfListo para explorar tus opciones?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Contacto<\/strong>: hello@americamortgages.com<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Sitio web<\/strong>:<a href=\"http:\/\/www.americamortgages.com\/\"> www.americamortgages.com<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Habla con un Experto en Pr\u00e9stamos de EE. UU. 24\/7<\/strong>: +1 845-583-0830<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00bfNecesitas ayuda para comenzar?<\/strong> Usa su herramienta de reserva en l\u00ednea 24\/7 para programar una consulta gratuita y sin compromiso con un asesor hipotecario autorizado de EE. UU.:<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-america-mortgages wp-block-embed-america-mortgages\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"bIdyHlp4Fd\"><a href=\"https:\/\/www.americamortgages.com\/home-mortgage-for-foreign-national-form\/\">Home &#8211; Foreign National &#8211; Landing<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"\u201cHome \u2013 Foreign National \u2013 Landing\u201d \u2014 America Mortgages\" src=\"https:\/\/www.americamortgages.com\/home-mortgage-for-foreign-national-form\/embed\/#?secret=YLzgqcqLNR#?secret=bIdyHlp4Fd\" data-secret=\"bIdyHlp4Fd\" width=\"580\" height=\"327\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Imagine this: Your own beachfront condo in Miami, a ski cabin in Colorado, or a golf-side villa in Scottsdale. For many international buyers, purchasing a vacation home in the United States is more than a dream\u2014it\u2019s a lifestyle and financial decision that pays off in comfort, convenience, and long-term value. But how exactly do you [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":21304,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"templates\/template-single-post.php","format":"standard","meta":{"_acf_changed":false,"qubely_global_settings":"","qubely_interactions":"","inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[31,14,23,24,13],"tags":[],"am_country":[],"am_audience":[],"am_format":[],"class_list":["post-21303","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-think-pieces","category-foreign-nationals","category-purchase","category-residential","category-u-s-expats"],"acf":[],"qubely_featured_image_url":{"full":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-55.jpg",1200,628,false],"landscape":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-55.jpg",1200,628,false],"portraits":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-55-540x320.jpg",540,320,true],"thumbnail":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-55-150x150.jpg",150,150,true],"medium":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-55-300x157.jpg",300,157,true],"medium_large":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-55-768x402.jpg",580,304,true],"large":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-55-1024x536.jpg",580,304,true],"1536x1536":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-55.jpg",1200,628,false],"2048x2048":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-55.jpg",1200,628,false],"qubely_landscape":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-55.jpg",1200,628,false],"qubely_portrait":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-55-540x320.jpg",540,320,true],"qubely_thumbnail":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-55-140x100.jpg",140,100,true],"post-thumbnail":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-55.jpg",1200,628,false],"twentytwenty-fullscreen":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2025\/08\/Pictures-55.jpg",1200,628,false]},"qubely_author":{"display_name":"America Mortgages","author_link":"https:\/\/www.americamortgages.com\/author\/america-mortgages\/"},"qubely_comment":0,"qubely_category":"<a href=\"https:\/\/www.americamortgages.com\/think-pieces\/\" rel=\"category tag\">Think Pieces<\/a> <a href=\"https:\/\/www.americamortgages.com\/foreign-nationals\/\" rel=\"category tag\">Foreign Nationals<\/a> <a href=\"https:\/\/www.americamortgages.com\/purchase\/\" rel=\"category tag\">Purchase<\/a> <a href=\"https:\/\/www.americamortgages.com\/residential\/\" rel=\"category tag\">Residential<\/a> <a href=\"https:\/\/www.americamortgages.com\/u-s-expats\/\" rel=\"category tag\">U.S. Expats<\/a>","qubely_excerpt":"Imagine this: Your own beachfront condo in Miami, a ski cabin in Colorado, or a golf-side villa in Scottsdale. For many international buyers, purchasing a vacation home in the United States is more than a dream\u2014it\u2019s a lifestyle and financial decision that pays off in comfort, convenience, and long-term value. But how exactly do you&hellip;","_links":{"self":[{"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/posts\/21303","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/users\/21"}],"replies":[{"embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/comments?post=21303"}],"version-history":[{"count":10,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/posts\/21303\/revisions"}],"predecessor-version":[{"id":22892,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/posts\/21303\/revisions\/22892"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/media\/21304"}],"wp:attachment":[{"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/media?parent=21303"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/categories?post=21303"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/tags?post=21303"},{"taxonomy":"am_country","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/am_country?post=21303"},{"taxonomy":"am_audience","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/am_audience?post=21303"},{"taxonomy":"am_format","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/am_format?post=21303"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}